Other Specialized Covers
Tailored Protection for Unique Needs.
Some of your most important assets or risks don’t fit into standard boxes. That’s where our specialized covers come in. We fill the gaps in your insurance portfolio with focused, flexible solutions for the things you value most.
Focused Protection Plans
1. All Risk Insurance
Cover Your Valuables, Anywhere in the World.
Standard policies have limits. Our All Risk insurance is a flexible “floater” policy designed to protect specific, high-value portable items against loss, theft, or damage wherever they are—at home, in transit, or abroad.
✔ What it covers: Jewelry, watches, high-end cameras, laptops, musical instruments, and other valuables.
✔ Ideal for: Anyone who owns precious items that need broader protection than a home policy provides.
2. Personal Accident Insurance
Affordable Coverage for Life’s Unexpected Turns.
Accidents happen in a moment. This straightforward, affordable policy provides a vital financial cushion. It pays a lump-sum cash benefit in the event of accidental death, permanent disability, or a weekly income for temporary total disability. It’s pure, high-impact protection.
✔ What it covers: Accidental death, permanent total/partial disability, medical expenses from an accident, temporary disability benefits.
✔ Ideal for: Individuals, professionals, and families seeking supplemental, low-cost accident coverage. Also an excellent top-up benefit for employees.
Have a unique asset or a specific risk? We have the cover.
📞 Contact Bimacal to discuss your specialized insurance needs.
Need help choosing? That’s what we’re here for.
Contact Bimacal today for a quick, clear quote.
📞 tel:+254 790 407341 | 📍Nairobi Kenya ✉️ info@bimacalinsurance.co.ke
Home contents policies have sub-limits for specific categories like jewelry (e.g., covering only up to Ksh 50,000 per item) and often exclude “mysterious disappearance” or loss outside the home. All Risk Insurance allows you to specifically schedule high-value items for their full appraised value and covers them for loss or damage anywhere in the world, providing much broader protection.
Yes, it provides a lump-sum benefit for accidental death or specific injuries (like loss of limb or eyesight) regardless of where the accident occurs, including in a car. However, for your vehicle damage or liability to others from the car accident, you need your comprehensive Motor Insurance. The two work together—Personal Accident covers your body, Motor Insurance covers the vehicle and third parties.
Absolutely, they serve different purposes. Health Insurance covers treatment costs for sickness and accidents. Personal Accident Insurance pays a direct cash lump sum in the event of an accidental injury, disability, or death. This cash can cover non-medical costs like income replacement, home modifications after a disability, or funeral expenses, providing crucial financial support beyond hospital bills.